Bridging Loan

Bridge the gap
between where you are and where you want to be.

Funding’s Bridging Loans combine cutting-edge credit processing with a decade of specialised expertise, delivering fast, flexible solutions.

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Borrow $25K - $10M

Settle in 3 days*

1 to 24 month terms

LVR up to 70%

Banks slow you down. Funding keeps you moving.

The trusted name in bridging finance—powered by technology, backed by experience.

When the right home comes along, you don’t want to miss out. With a Funding bridging loan, you can use equity in your existing property to secure your next home before selling. This gives you the freedom to move when the time is right for you.

Our fast approvals and flexible terms make it easy to navigate the in-between stage of buying and selling—without the usual stress or delays of traditional finance.

Downsize stress-free

Ready to downsize to a home that fits your lifestyle today? With a Funding bridging loan, you can make your move stress-free, without the pressure to sell quickly. Step into your new lifestyle with confidence and enjoy the retirement you’ve earned.

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funding bridging loan upsizers genevieve and romeo with family

Upsize without delays

Making room for a growing family or a more spacious home? Funding helps you secure your next home now, so you can enjoy more space and new memories. Our flexible bridging loan lets you buy first, sell later and settle in comfortably without the rush.

Move forward faster

When the perfect investment or dream property pops up, you need the freedom to act fast. If traditional lending has hit its limits, Funding’s fast bridging finance is here to help. With quick approvals and flexible terms, we make it easy to jump on your next big opportunity.

funding bridging loan fast movers maria with coffee on phone

Tell us about what you're buying

Vacant land?

Borrowing capacity

Maximum borrowing capacity
$0
Maximum Loan to Value Ratio (LVR)
0%
We're unable to give you an estimate. Please give us a call.
This is an estimate only and not a loan offer. Loans are subject to credit assessment. T&Cs apply†

Ready to get started?

Now that you’ve got your estimate, take the next step. Get a quote to see your detailed loan options personalised to you.

† Terms and conditions of Funding’s Bridging Loan calculator:

  • The Bridging Loan calculator is an indicative estimate only — it is not a loan quote or loan offer. All loans are subject to the lender’s credit assessment, approval and property valuation/s.
  • The borrowing capacity is a gross lending limit. Loan fees and charges are deducted from this amount which will reduce the final net loan amount available.
  • The calculator provides an estimate of the Maximum Borrowing Capacity and LVR based on the property value and type entered. Loan to Value Ratio (LVR) is the total loan amount borrowed against your property value.
  • Results do not factor in loan fees and charges, interest or property purchase / conveyance costs that may apply.
  • The information provided is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation, or needs.
  • Fees, terms and conditions apply. Refer to our Credit Guide.

Finance that fits every goal

Every property transaction is unique, with its own set of challenges and opportunities. That’s why our loans are designed for speed and flexibility, adapting to your needs and empowering you to say 'yes' when opportunity strikes.

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Act fast

Enjoy approval within hours and funds in days*—get into your new home without delay.
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Less paperwork

Our streamlined process means no paperwork headaches, so you can move forward quickly and stress-free.
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Skip accommodation costs

By letting you buy first, we help you skip the cost and hassle of temporary housing and storage.
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No age limits

We use your property’s value as security, so there’s no age barrier to getting finance.

Get started with a Funding bridging loan

Our streamlined process offers quick access to funds, dedicated support from our local team and a stress-free experience from application to settlement.

Apply in minutes

Complete our simple online form—no credit check required. Or, call us at 1300 44 33 19 to speak with a team member and get started.

Receive your quote

Get a personalised quote instantly to your inbox. If we need more details, a lending specialist will reach out to fast-track your quote.

Review and confirm

Your dedicated lending specialist will guide you through final steps, including a credit check and property valuation, to finalise your approval.

Settle within 3 days

Once approved, funds can be in your account within 3 business days.*

Success secured with Funding

For every goal and every dream, rely on Funding’s support to help get you there.

I had the pleasure of dealing with John Bryant as our credit manager for our home loan, and I couldn’t be happier with the experience. John was not only extremely professional but also incredibly helpful throughout the entire process. He took the time to understand our needs and patiently guided us through every step. His expertise and dedication made the process smooth and stress-free.

Rohan S
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Borrower
Google

An excellent implementation of a great idea. The security and return of first-mortgage investing with the ease of operation equivalent to an online bank account. You can easily manage your own risk profile, diversification and liquidity timeline. The easiest to understand and simplest to use online investment platform of the several I rely upon. The Funding team are very helpful and respond promptly to any questions.

Kenneth G
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Borrower
Google

Funding is a fantastic lender to deal with. Thank you to Andrew, John & Sonam for your great work with the recent deal you help finance for my client. Everyone went out of their way to get the deal across the line and funded. You have been able to help clients who were looking to release equity ASAP. Thank you again for your great work.

Raj S
-
Borrower
Google

Experience the Funding difference

We're simplifying property finance so more Australians can move forward faster.

Trusted

Since 2015, we've been helping Australians get ahead with confidence to achieve their property goals.

Proven

We've issued over $1 billion in loans with zero capital losses to date – delivering fast, reliable outcomes.

Dedicated

Our local team is based across Australia, here to support you at every step of the way.
downsizing

Simplify your downsize

Move Forward Faster with flexible Bridging Loans

Thinking about downsizing but worried about the financial gap between selling your current home and buying a new one? Funding's Bridging Loans are designed to make your transition seamless and stress-free. Get ahead, sooner, and enjoy the benefits of downsizing with ease.

Your questions answered

The obligation free conditional approval will outline all rates and fees. It is tailored to your specific loan needs.

The loan to value or LVR is the maximum lend secured over the property. Our typical LVR is 65% or lower of the property value. On some occasions, 70% may be considered depending on the location and type of security property.

Loan terms are typically between 1 - 24 months.

Residential, commercial and vacant land across Australia.

Borrowers can be individuals, companies or trusts borrowing for any purpose including personal or business. Borrowers must have sound real estate security, the ability to meet their repayments and a strong repayment strategy to exit the loan at the end of the term.

A bridging loan is a short-term loan designed to provide temporary financing during the transition from one financial situation to another, particularly when there is a gap between the sale of an existing property and the purchase of a new one.

Confidence grows with knowledge

Get ahead with our useful resources and expert insight.
In Australia’s competitive property market, timing is often critical. For many property buyers, securing a new home or investment property before sell...
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Starting a new construction company, especially in the commercial real estate sector, is an ambitious undertaking. Securing adequate financing is esse...
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Reach your goals sooner with our borrowing and investing solutions.
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